Fix & Flip
Buy it. Rebuild it. Exit.
Short-term capital for acquisition and renovation, structured around the project and its exit.
What it is
A fix and flip loan finances the purchase of a residential property and the work needed to bring it to market. It is short-term by design: the timeline, the renovation schedule and the exit are part of the analysis from the start, not an afterthought. Renovation funding in this type of loan is generally released in stages as the work is completed.
Fix & Flip
The same property. A different asset.
A fix and flip is a capital problem before it is a construction problem. We finance the purchase and the rehab together, so an off-market opportunity does not stall between closing and the first day of work.
BeforeAfterWhat we can structure
Potentially up to
90%
of the purchase price
Potentially up to
100%
of eligible rehab costs
Indicative only — not an approval. Final leverage is subject to underwriting, borrower profile, property, valuation and the specifics of each transaction. Terms and eligibility vary by borrower, property and transaction.
When it fits
A property below market condition
The asset needs work and the value is created by the renovation, not by waiting for the market.
A deal that has to move
An off-market opportunity or a seller timeline that a slower process would lose.
Capital committed elsewhere
You have the deal and the team, but your own capital is tied up in another project.
What is a Fix & Flip loan?
Short-term financing used to acquire a residential property, renovate it and sell it. The loan is structured around the project rather than a long-term hold, so the timeline, the draw schedule and the exit are part of the analysis from the start.
How much of the purchase can be financed?
For Fix & Flip, financing can potentially reach up to 90% of the purchase price. Final leverage is subject to underwriting and to the specifics of each transaction, and terms and eligibility vary by borrower, property and transaction.
Can rehab costs be financed?
Yes. Renovation costs can potentially be financed up to 100% of eligible rehab costs, structured alongside the acquisition. As with purchase leverage, the final structure depends on underwriting and deal specifics.
Do I need to be a contractor to invest in Fix & Flip?
No. Many investors work with a general contractor rather than executing the work themselves. What matters is that the renovation plan and the team behind it are credible.
Have a deal on the table?
Send us the property, the numbers and your exit strategy. We will come back with how it can be capitalised.